Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in California

54 banks · Average score: 89/100 · Combined assets $333.5B

54 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 27.97% and an NPL ratio of 0.28%, sourced from the most recent FDIC quarterly Call Report.

54 California banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks California A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in California are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 54 banks chartered in California qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in California

Banks in this grade tier	54
Combined assets	$333.5B
Average composite score	89/100
Average Tier 1 capital ratio	27.97%
Average NPL ratio	0.28%

All A-Graded Banks in California

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Summit Bank	Oakland	100	$296M	21.55%	0.00%	30.95%
2	Capital Bank&Trust Co	Irvine	100	$174M	190.32%	0.00%	72.13%
3	Westamerica Bank	San Rafael	99	$6.3B	15.10%	0.19%	80.53%
4	Bank of Stockton	Stockton	98	$4.3B	16.83%	0.14%	43.41%
5	Hcn Bank	Riverside	97	$1.0B	13.97%	0.00%	29.81%
6	Citizens Business Bank	Ontario	97	$16.2B	15.13%	0.29%	37.38%
7	First American Trust FSB	Santa Ana	97	$6.4B	38.40%	0.00%	95.79%
8	Hatch Bank	San Marcos	96	$126M	36.80%	0.13%	37.00%
9	Oak Valley Community Bank	Oakdale	96	$1.8B	14.13%	0.00%	35.06%
10	Pacific Coast Bankers Bank	Walnut Creek	96	$1.2B	27.24%	0.00%	49.34%
11	River Valley Community Bank	Yuba City	96	$613M	15.00%	0.00%	47.09%
12	Golden Valley Bank	Chico	96	$492M	16.43%	0.00%	42.50%
13	Plumas Bank	Quincy	95	$1.6B	16.36%	0.90%	33.81%
14	Bank of Ny Mellon Tr Co NA	Los Angeles	95	$1.3B	328.90%	0.00%	25.15%
15	El Dorado Savings Bank FSB	Placerville	95	$2.4B	45.64%	0.21%	75.04%
16	Community Bk of Santa Maria	Santa Maria	95	$405M	14.52%	0.00%	31.73%
17	Commerce West Bank	Irvine	95	$1.1B	18.41%	0.66%	34.13%
18	Bac Community Bank	Stockton	94	$796M	16.06%	0.00%	41.78%
19	First Northern Bank of Dixon	Dixon	93	$1.9B	15.44%	0.64%	40.24%
20	Infinity Bank	Santa Ana	93	$308M	15.09%	1.01%	32.23%
21	Beacon Business Bank NA	San Francisco	92	$174M	19.19%	0.00%	41.98%
22	Heritage Bank of Commerce	San Jose	92	$5.3B	13.91%	0.18%	29.32%
23	Ffb Bank	Fresno	92	$1.4B	19.67%	1.27%	29.17%
24	Column National Assn	Chico	92	$541M	17.81%	0.50%	55.11%
25	Farmers&Merchants Bk Cntl Ca	Lodi	91	$5.3B	13.33%	0.00%	25.50%
26	Farmers&Merchants Bk Long Be	Long Beach	89	$12.2B	17.00%	0.83%	44.67%
27	City National Bank	Los Angeles	89	$92.2B	14.94%	0.55%	26.69%
28	Mechanics Bank	Walnut Creek	88	$17.3B	14.65%	0.16%	33.19%
29	New Omni Bank National Assn	Alhambra	88	$506M	30.19%	1.14%	26.38%
30	American Business Bank	Los Angeles	88	$3.9B	11.94%	0.26%	31.16%
31	Pacific Premier Bank	Irvine	87	$18.3B	17.97%	0.42%	21.46%
32	Tri Counties Bank	Chico	86	$9.7B	13.81%	0.49%	23.33%
33	Community West Bank	Fresno	86	$3.5B	13.99%	0.13%	27.26%
34	California Intl Bank N A	Westminster	86	$58M	38.65%	0.00%	24.32%
35	Bank of America Ca NA	San Francisco	85	$15.0B	29.72%	0.73%	24.38%
36	East West Bank	Pasadena	85	$72.3B	13.06%	0.31%	22.49%
37	Santa Cruz County Bank	Santa Cruz	85	$1.7B	14.93%	0.00%	14.93%
38	Redwood Capital Bank	Eureka	85	$524M	16.03%	0.13%	17.51%
39	United Business Bank	Walnut Creek	85	$2.6B	17.47%	0.86%	22.33%
40	Mega Bank	San Gabriel	85	$518M	15.65%	0.45%	20.62%
41	C3bank National Assn	Encinitas	84	$773M	13.56%	0.00%	18.69%
42	Partners Bank of California	Mission Viejo	84	$483M	13.94%	0.00%	18.29%
43	River City Bank	Sacramento	83	$5.1B	11.89%	0.00%	21.41%
44	First Credit Bank	Los Angeles	82	$563M	41.59%	0.44%	14.90%
45	Commercial Bank of Ca	Irvine	82	$2.5B	10.52%	0.14%	28.58%
46	State Bank of India Ca	Los Angeles	81	$1.2B	17.36%	0.00%	13.70%
47	Community Commerce Bank	Claremont	81	$392M	18.91%	0.18%	16.64%
48	Malaga Bank FSB	Palos Verdes Pen	81	$1.4B	26.20%	0.00%	11.27%
49	Community Bank of the Bay	Oakland	81	$1.0B	10.09%	0.00%	27.76%
50	First Commercial Bank USA	Alhambra	81	$863M	29.32%	0.26%	13.16%
51	California Business Bank	Irvine	81	$101M	20.34%	0.03%	17.64%
52	SMBC Manubank	Los Angeles	80	$5.5B	17.00%	1.60%	30.40%
53	First Pacific Bank	Whittier	80	$430M	11.78%	0.03%	25.55%
54	American Riviera Bank	Santa Barbara	80	$1.3B	12.85%	0.06%	20.39%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in California?

What does this tier look like financially?

Across 54 A-graded banks in California, the average Tier 1 capital ratio is 27.97% and the average nonperforming-loan ratio is 0.28%. Combined assets in this cohort total $333.5B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in California →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 54 A-graded banks in California. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.